When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Credit Care


112 Dowell Ave
Bellefontaine, OH 43311

Contact Them:

Phone: (937) 592-3902
Fax: (937) 593-1493

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to utilize unfair or unconscionable means to collect an alleged debt.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 1 Comment

    1. Samantha on April 4, 2016 at 12:32 pm

      My experience with Credit Care was horrible. Lori the representative was being very obscene on multiple occasions. She told me if I missed any payment I could be jailed for contempt of court on one of my open accounts. Then she proceeded to tell me that she felt if I could use an HSA card or spend money on home repairs then I could pay more then $100 a month. She has been so rude and nasty every single time I called. I have on numerous occasions had to tell her to not be rude to me because I wasn’t being rude to her. Worst experience ever!

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.